Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,121

Founded by veterinarian Dr. Jack Stephens, Pets Best insures cats and dogs in every state and has paid nearly $150 million in claims since 2005. is recommended by veterinarians across the U.S. Learn more about Pets Best plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Timothy B

Very Satisfied

Submitted claim for Layla's for heartworm and flea/tick control. Processed without issue and received check within the 5-7 business day window I was told. Very satisfied!
5

out of 5

POSTED: | BY: Debra H

Have not been disappointed

We are coming on the year since our pup was diagnosed with doggy version of Addison's disease. While this already not a common disease for pups, it's especially rare in chihuahua mixed breeds (dachshund is her suspected side breed). Now, she's on medications for the rest of her life. Pets Best was my insurance choice based on the vet techs recommendation, and I have not been disappointed with any of the services thru the years since we first rescued her. And now my Vet tells us he has a story to share with other doctors at conventions and meet-ups about the rare "unicorn" pup patient of his! :)
5

out of 5

POSTED: | BY: Paul B

Dog had blood work for annual heart worm check

Claim was completely quickly and everything was explained well. Everything was covered per the expectations I had going into the visit. So far, good company to deal with.
5

out of 5

POSTED: | BY: Marnie V

Good resource

Overall, Pets Best has been a good resource as our dogs are aging. It's hard to put that in perspective sometimes, when the monthly premium comes out of our account, but having a dog with CHF now will give us a better understanding of what Pets Best can truly offer.
5

out of 5

POSTED: | BY: T Marie

First Time Filing a Claim

Overall this was a great experience. There was a delay in processing my claims due to an unusual amount of claims being submitted. Not a huge deal since I knew mine was going towards my deductible but for people who are waiting to be reimbursed with a sick pet, that timing would not have been acceptable.
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Monthly Cost

$6 and up, depending on your chosen plan.

Coverage

Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states). Two optional Wellness plans to cover routine care. 24/7 Pet Helpline, powered by whiskerDocs is included on all policies. The pay-out amount is based on your actual vet bill. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

Payout Limits

$5000 -Unlimited annual limit, depending on your chosen plan. Unlimited lifetime limits.

Deductible

$50 – $1,000 annually.

Age Limits

Pet must be at least 7 weeks old to enroll. Pets Best does not restrict coverage or availability for older pets.

Waiting Period

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.

Exclusions

Pre-existing conditions are not covered. Elective and preventive procedures are not covered.

Disclosures

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. Ste. 160 Scottsdale, AZ 85254 or MS Transverse Insurance Company (NAIC #21075), located at 15 Independence Blvd. Suite 430, Warren, NJ 07059. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.

Pets Best Pet Insurance detail
Pets Best was founded by veterinarian Dr. Jack Stephens, whose passion for saving pets led him on a mission to provide access to comprehensive, yet affordable, animal healthcare. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims since 2005. Pets Best is rated 9.6 out of 10 (TrustPilot) and is recommended by veterinarians across the U.S. Built upon a legacy of innovation, it focuses on putting customers first by offering unlimited accident and illness plans, wellness plans, a mobile app, a 24/7 Pet Helpline (powered by whiskerDocs), and more.
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